Call reports 2005
FIRST STATE BANK — 2005
What FIRST STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,326,000 | 24,098,000 | 24,414,000 | 24,403,000 |
| Total loans | 13,528,000 | 14,358,000 | 15,336,000 | 14,432,000 |
| Allowance for loan losses | 337,000 | 301,000 | 301,000 | 301,000 |
| Securities available for sale | 298,000 | 299,000 | 498,000 | 794,000 |
| Securities held to maturity | 8,963,000 | 8,363,000 | 7,964,000 | 7,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,656,000 | 20,348,000 | 19,644,000 | 20,579,000 |
| Interest-bearing deposits | 19,551,000 | 18,226,000 | 17,477,000 | 17,378,000 |
| Noninterest-bearing deposits | 2,105,000 | 2,122,000 | 2,167,000 | 3,202,000 |
| Equity capital | 3,538,000 | 3,604,000 | 3,675,000 | 3,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 306,000 | 615,000 | 943,000 | 1,274,000 |
| Interest expense | 86,000 | 179,000 | 281,000 | 389,000 |
| Net interest income | 220,000 | 436,000 | 662,000 | 885,000 |
| Noninterest income | 13,000 | 26,000 | 41,000 | 54,000 |
| Noninterest expense | 124,000 | 254,000 | 386,000 | 614,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 109,000 | 208,000 | 317,000 | 325,000 |
| Income tax | 37,000 | 71,000 | 109,000 | 111,000 |
| Net income | 72,000 | 137,000 | 208,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,540,000 | 3,604,000 | 3,676,000 | 3,683,000 |
| Total capital | 3,731,000 | 3,801,000 | 3,886,000 | 3,885,000 |
| Risk-weighted assets | 15,166,000 | 15,616,000 | 16,724,000 | 16,035,000 |